Ghana

GH · GHA · 288AfricaGHS ₵28 methods

Revised · 4 sources

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Mobile money usage reaches 59.7% of adults, with 74.1 million registered accounts as of early 2025.

~22M

online population

~58%

banked adults

~3%

credit card population

Mix Methods Behaviour Banks Sources Facts

Payment mix

share of e-commerce spend

CategoryLeading methodShare

Mobile MoneyGoogle Pay60%
Cash—25%
CardVisa8%
Bank Transfer—5%
Other—2%

Methods in use

top 8 of 28 · by spend

MethodTypeShare

All 28 methods in Ghana →

Checkout behaviour

Ghana recorded 8.1 billion mobile money transactions in 2024, up 18.9% from 2023.

Internet banking transactions surged 114.9% to GH¢212 billion in 2024.

Facts

ISO 3166: GH · GHA · 288
Region: Africa
Population: ~34M
Currency: GHS ₵
Banked adults: ~58%
Methods live: 28
Banks covered: 31

Largest banks

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Sources

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